travel3.9 / 5

Scotiabank Passport Visa Infinite Privilege Card

Scotiabank

Best for

High-income frequent travellers who want premium lounge access and no FX fees within the Scene+ ecosystem.

Apply on Scotiabank

Annual fee

$599

FX fee

Purchase APR

20.99%

Income req.

$150,000 personal / $200,000 household

Recommended credit score

780+

Approval difficulty

Hard approval

VaultNerd estimate based on the card's tier and income requirements — not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Our verdict

A premium no-FX travel card with excellent insurance and lounge benefits, but fixed-value Scene+ points make it hard to outvalue cheaper alternatives unless you fully use the perks.

Reward rates

Travel Extra 3x on hotels and car rentals booked through Scene+ Travel	3x
Dining	2x
Entertainment	2x
Everything else	1x

VaultNerd values these points at ~1¢ each.

Welcome bonus

~$1,000 value

Up to 100,000 bonus Scene+ points (30,000 + 45,000 + 25,000)

Requirement: Spend $3,000 in first 3 months (30,000 pts), $20,000 in first 6 months (45,000 pts), and make a purchase in month 14 (25,000 pts). Offer for accounts opened Jan 2 - Apr 30, 2026

Pros

Generous 100,000-point welcome offer
10 lounge visits per cardholder, including supplementary cards
Top-tier $5M emergency medical insurance with 31-day trips

Cons

Steep $599 annual fee
High $150k personal income requirement
Scene+ points cap value at about 1 cent each, limiting premium-card math

Perks

No foreign transaction fees
10 complimentary airport lounge visits per cardholder per year (Visa Airport Companion, 1,200+ lounges)
Visa Infinite Privilege concierge and luxury hotel collection benefits
Complimentary Platinum Status in golf Access Rewards program
$10,000 minimum credit limit

Insurance

Travel emergency medical up to $5 million (31 days under 65; 10 days for 65+)
Trip cancellation and trip interruption insurance
Flight delay insurance
Delayed and lost baggage insurance
Rental car collision/loss damage insurance
Hotel/motel burglary insurance
Common carrier travel accident insurance
Mobile device insurance
Purchase security and extended warranty

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“Scotiabank Passport Visa Infinite Privilege Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/scotiabank-passport-visa-infinite-privilege, updated June 2026.

Sources

Scotiabank cardholder agreement and rates & fees disclosure
VaultNerd cards database